Paycheck Calculator
Your take-home pay is your gross salary minus federal income tax, Social Security and Medicare (FICA), and any state income tax, plus your pre-tax 401(k) and health deductions. State tax is what differs most, so choose your state below to run a tested estimate for the 2026 tax year.
Choose your state
More states are on the way. Each state page uses the same tested engine and shows its assumptions and methodology.
Take-home pay by state at a $100,000 salary
The same $100,000 salary keeps $6,508 more of itself in Florida than in California, entirely because of state income tax and mandatory state payroll premiums. Federal income tax and FICA are identical in every state, so the difference below is the state layer alone.
| State | State income tax | Employee premiums | Annual take-home | Share of salary kept |
|---|---|---|---|---|
| Florida | $0.00 | $0.00 | $79,180.00 | 79.2% |
| Texas | $0.00 | $0.00 | $79,180.00 | 79.2% |
| Washington | $0.00 | $1,387.16 | $77,792.84 | 77.8% |
| Ohio | $2,033.63 | $0.00 | $77,146.37 | 77.1% |
| Pennsylvania | $3,070.00 | $70.00 | $76,040.00 | 76.0% |
| North Carolina | $3,481.28 | $0.00 | $75,698.72 | 75.7% |
| Georgia | $4,391.20 | $0.00 | $74,788.80 | 74.8% |
| Illinois | $4,805.21 | $0.00 | $74,374.79 | 74.4% |
| New York | $4,859.75 | $443.11 | $73,877.14 | 73.9% |
| California | $5,207.98 | $1,300.00 | $72,672.02 | 72.7% |
As of tax year 2026. Assumptions: single filer, standard deduction only, no 401(k) or other pre-tax deductions, paid biweekly. Every figure is computed at build time by the same tested decimal engine behind the calculators, never hand-typed. Employee premiums are mandatory state payroll deductions (disability, family leave, unemployment) that reduce take-home but are not income tax. California currently applies its most recent verified state schedule while the 2026 inflation adjustment is unpublished; the state page explains the details.
How to read the table
Start from the last column: it is the share of a $100,000 salary that survives federal income tax, FICA, state income tax, and mandatory state premiums. The state income tax column is what the state's own schedule takes at this salary, and the premiums column covers payroll programs some states run (for example disability or paid family leave). Local and city wage taxes, such as those in New York City, Philadelphia, and many Ohio municipalities, are not modeled; the affected state pages say so explicitly and point at the official source. Your own numbers shift with filing status, 401(k) contributions, and pre-tax health deductions, which is what the state calculators are for.
States with no income tax on wages
Florida, Texas, Washington take nothing from wages in state income tax, which is why they lead the table. That is not automatically the same as keeping the most money: Washington funds paid leave and long-term care through mandatory payroll premiums that this comparison shows separately, and no-income-tax states often lean harder on sales and property taxes, which a paycheck table cannot see. Treat the take-home numbers as the paycheck effect only, not a full cost-of-living comparison.
How take-home pay is calculated
Federal income tax
Applied to your wages after the standard deduction, using the current federal brackets for your filing status.
FICA (Social Security and Medicare)
Social Security up to the annual wage base, plus Medicare on all wages. These are the same in every state.
State income tax
Varies by state. Some states, such as Florida, Texas, and Washington, have no state income tax, so take-home pay is higher there.